Analisis Pengaruh Dana Pihak Ketiga, Non Performan Loan, Return on Assets dan Inflasi, terhadap Penyaluran Kredit Perbankan di Indonesia

Abstract

Credit is one way to develop the economy of our country. This research aims to analyze the effect of variables Third Party Funds, Non Performing Loan (NPL), Return on Assets (ROA),and Inflation Rate on allocation credit of commercial banks in Indonesia. The sample used inthis research are two groups of commercial banks, they are state owned banks and foreignbanks. Using dynamic econometric analysis and Ordinary Least Square (OLS) regressiontechniques, the results showed the variables third party funds, NPL, ROA, and Inflationsimultaneously have a significant impact on allocation of credit of two groups of banks with theprobability 0,00. Partially, however, the results showed the variables third party funds and ROAhave a significant impact on allocation of credit of state owned banks with the probability 0,0002and 0,0457. While, the variables NPL and inflation rate have no significant impact on allocationof credit with the probability above 0,05. The score of adjusted R squares is 37,1%, which means the independent variables could explain the dependent variable for 37,1%, the remaining 62,9% was explained by other variables out of model. Partially, the results also showed the variable third party funds has a significant impact on allocation of credit of foreign banks with the probability 0,000. While, the variables NPL, ROA and inflation rate have no significant impact on allocation of credit with the probability above 0,05. The score of adjusted R squares is 33,8%, which means the independent variables could explain the dependent variable for 33,8%, the remaining 66,2% was explained by other variables out of model. Keywords: Third Party Funds, Non Performing Loan (NPL), Return On Assets (ROA),Inflation, Credit, State Owned Bank and Foreign Bank.